Private counselling or psychology sessions in Singapore can cost around S$180 to nearly S$400 based on published fees from selected providers, although prices vary by clinician, service and session length. Lower-cost community services, CHAS, MediSave and certain insurance benefits may help with eligible treatment, but they do not apply to every therapy session. Check the exact provider fee and funding conditions before starting treatment so you can budget more accurately.
A common question is how much does therapy cost in Singapore. There is no single standard price because therapy can refer to counselling, psychological treatment or psychiatric care, each with different professionals, services and fee structures.
The cost of mental health care also depends on where you seek treatment, how long each appointment lasts and whether you qualify for government subsidies, MediSave or insurance benefits. Published private fees provide a useful starting point, but what you eventually pay may be quite different.
Understanding these differences can help you compare counselling Singapore fees, psychologist services and other mental healthcare options without assuming that every form of support works the same way.
What does therapy mean in Singapore?
Therapy is a broad term, and different mental healthcare professionals have different roles. HealthHub’s MindSG guidance distinguishes clinical psychologists, counsellors and psychiatrists according to the services they provide.
| Professional | What they do |
| Clinical psychologist | Provides psychological assessment and diagnosis for mental health conditions and can provide psychological interventions |
| Counsellor | Provides a safe space to explore challenges, process difficult emotions and situations, and develop coping strategies |
| Psychiatrist | A medical doctor who diagnoses and manages mental health conditions and can prescribe medication |
How much does private therapy cost in Singapore for private care?
There is no single official market rate for private therapy in Singapore. Providers charge different fees based on the clinician’s level, service type, and session length, so use the figures below as examples rather than a national average.
| Provider | Service | Published fee | Session length |
| Annabelle Psychology | Associate Psychologist | From S$141.70 incl. GST | 60 minutes |
| Annabelle Psychology | Clinical / Counselling Psychologist | S$239–S$392.40 incl. GST | 60 minutes |
| Counselling and Care Centre | Individual / couple / family counselling | S$200 incl. GST | 60 minutes |
| ImPossible Psychological Services | Individual session with psychologist / counsellor | S$180–S$280 | 50 minutes |
These published psychologist consultation fees and counselling charges show why the session price should not be compared in isolation. The clinician you see and the length of each appointment can also affect the total amount you pay over the course of treatment.
Read more: The Real Cost of Getting Sick With Insurance
Counselling Singapore fees and subsidised options
Private counselling is not the only route available in Singapore. Community and government-supported services may reduce counselling Singapore fees for people who meet the relevant eligibility requirements.
NCSS-supported counselling
The National Council of Social Service (NCSS) runs a supported counselling initiative through approved providers. Eligible groups receive subsidies for their first six counselling sessions. NCSS states that additional sessions may be charged at each centre’s standard rate, which ranges from S$100 to S$240. Eligible groups include Pioneer or Merdeka Generation cardholders, Blue or Orange CHAS cardholders, full-time students from MOE schools, and people receiving ongoing financial assistance from a Social Service Office or restructured hospital.
Free family counselling at FAM centres
Strengthening Families Programme centres provide counselling for specific family-related concerns. The Ministry of Social and Family Development states that counselling at these centres is free for issues involving marriage, parenting, divorce and other family matters. This service is intended for family-related concerns rather than as a general substitute for every form of mental health treatment.
Can CHAS help with mental health treatment?
CHAS can help with eligible treatment under the Chronic Disease Management Programme for Mental Illnesses. MOH states that major depression, anxiety disorders, bipolar disorder and schizophrenia are covered conditions. CHAS subsidies are available at participating GP clinics under the Mental Health General Practitioner Partnership Programme. This is different from a general subsidy for any private counselling or psychology appointment.
Before booking treatment, check whether the clinic participates in the relevant programme and whether your treatment qualifies for CHAS support.
Read more: How to Use the CHAS Card and Who Qualifies in Singapore
Can you use MediSave for therapy or mental health treatment?
MediSave can be used for eligible outpatient treatment under the Chronic Disease Management Programme. MOH’s current MediSave500 or MediSave700 Scheme rules include schizophrenia, major depression, bipolar disorders and anxiety among the covered conditions.
Patients with complex chronic conditions may use up to S$700 per patient each year under the MediSave700 Scheme. Other patients may use up to S$500 per year for eligible CDMP treatment.
Singapore Citizens and Permanent Residents receiving CDMP treatment from their Healthier SG enrolled Primary Care Physician can use MediSave to fully pay the bill up to prevailing withdrawal limits without the usual 15% cash co-payment.
Not every counselling or psychotherapy session is automatically MediSave-claimable. Ask the clinic whether your treatment is provided under the relevant MediSave and CDMP framework before assuming you can pay for it with MediSave.
Does MediShield Life cover mental health treatment?
MediShield Life is mainly designed to help with larger hospital bills rather than routine stand-alone counselling. Its mental health coverage is therefore different from paying for regular outpatient counselling or psychology appointments. For admissions or treatments received on or after 1 June 2026, MOH lists a psychiatric inpatient claim limit of S$230 per day for up to 60 days per policy year.
Read more: 3 Real Hospitalisation Bills in Singapore and How MediSave and Insurance Reduce Costs
Can you claim therapy on insurance?
Insurance coverage for therapy depends on the specific plan, treatment, and provider. Integrated Shield Plans generally cover psychiatric treatment when it involves inpatient care or treatment related to a hospital admission. Check the policy wording to confirm whether it covers routine stand-alone counselling or psychology sessions.
| Plan name | Inpatient psychiatric treatment |
| AIA HealthShield Gold Max A | S$5,000 / year. Additional S$5,000 / year limit for post-hospitalisation within 200 days after confinement. |
| Enhanced IncomeShield Preferred | S$20,000 / year |
| GREAT SupremeHealth P PLUS | S$5,000 / year |
| HSBC Life Shield A | Up to S$5,000, capped at 60 days / year. Additional S$5,000 / year limit for post-hospitalisation within 200 days after confinement. |
| PRUShield Premier | S$8,000 / year |
| Raffles Shield A (with Raffles Hospital Option) | S$6,000 / year, including post-hospitalisation treatment up to 90 days |
| Raffles Shield Private | S$8,000 / year, including post-hospitalisation treatments up to 90 days |
| Singlife Shield Plan 1 | As charged up to 60 days after a 10-month waiting period. During the waiting period: S$500 / day up to 35 days. |
How to budget for therapy
The question how much does therapy cost in Singapore is best answered using the provider’s actual published or quoted fee rather than a generic average. Also check how long each session lasts, whether fees differ by clinician and how often your provider expects you to attend.
At S$200 per session, for example, four sessions would cost S$800 and six sessions would cost S$1,200 before any subsidy or reimbursement. This is only a budgeting example, as the appropriate number and frequency of sessions should depend on your needs and the treatment plan agreed with your mental healthcare professional.
Before paying privately, check whether you qualify for NCSS-supported counselling, family counselling through FAM centres, CHAS or CDMP support, MediSave, employer benefits or insurance coverage. Confirm your eligibility before treatment so you can plan your budget without assuming the insurer will reimburse the bill later.
Read more: Can You Claim Insurance for Mental Health in Singapore?
Balancing financial and mental wellbeing
The cost of mental health care in Singapore varies with the professional, provider and type of treatment you need. Private provider fees give you a starting point, while community services and government schemes may reduce your out-of-pocket cost if you meet their eligibility requirements.
When considering how much does therapy cost in Singapore, check the exact fee and funding route for the service you intend to use. If you plan to rely on CHAS, MediSave or insurance, confirm the treatment, provider and claim conditions before starting care.
Frequently asked questions
How much is a therapy session in Singapore?
There is no official standard therapy fee in Singapore, but published private counselling and psychology fees in this article range from about S$180 to nearly S$400 per session. The amount you pay can vary by provider, clinician and session length.
How much does counselling cost in Singapore?
Counselling Singapore fees vary between private and subsidised services, with private published examples including S$200 for a 60-minute session and S$180 to S$280 for a 50-minute session. Eligible clients may pay less through NCSS-supported counselling or use free family counselling at FAM centres for qualifying family-related concerns.
How much does it cost to see a psychologist in Singapore?
Published psychologist consultation fees vary by provider and clinician level, with examples ranging from S$141.70 for an associate psychologist to S$392.40 for a clinical or counselling psychologist. Check the provider’s current fee and session duration before making an appointment.
Is there free counselling in Singapore?
Some counselling services in Singapore are free for specific needs, including family counselling through Strengthening Families Programme centres. Depending on your eligibility, you may receive subsidies for other community services instead of getting them completely free.
Can I use CHAS to pay for therapy in Singapore?
CHAS subsidies may apply to eligible treatment for specified mental health conditions at participating clinics under the relevant government programme. CHAS does not automatically subsidise every private counselling or psychology session.
Can I use MediSave for therapy in Singapore?
MediSave can be used for eligible outpatient mental health treatment under the Chronic Disease Management Programme. Not every counselling or psychotherapy session qualifies, so confirm the treatment and provider eligibility before using MediSave.
Does MediShield Life cover therapy in Singapore?
MediShield Life mainly covers larger hospital bills and includes a psychiatric inpatient claim limit rather than general routine counselling coverage. Stand-alone outpatient counselling or psychology sessions should not be assumed to be covered by MediShield Life.
Does health insurance cover therapy in Singapore?
Some health insurance plans provide psychiatric benefits, but coverage may be linked to hospitalisation or specific outpatient psychiatric services. Check your policy wording before assuming regular counselling or psychologist appointments are claimable.
